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Give up the coffee, switch from cappuccino to a standard brew, start drinking tea, or brew your own cup.

This is an easy, low-hanging-fruit expense that can yield big savings right away.

Learn to cook – We all need to eat, but restaurants are getting quite expensive these days. I learned to cook while in college (a skill that has helped me ever since) and before I left for my first trip, I cut down my eating out to two times per week. I would save the leftovers from dinner for lunch the next day, thus saving more money.

I have increasing sticker shock every time I go out to eat. You don’t need to be a whiz in the kitchen, either.

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Way back when I was at university I was known as The Librarian.

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